<SUBMISSION>
<ACCESSION-NUMBER>0001104659-04-006192
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20040227
<ITEMS>5
<ITEMS>7
<FILING-DATE>20040302
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>UNITED SECURITY BANCSHARES
<CIK>0001137547
<ASSIGNED-SIC>6021
<IRS-NUMBER>912112732
<STATE-OF-INCORPORATION>CA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-32897
<FILM-NUMBER>04642924
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1525 E SHAW AVENUE
<CITY>FRESO
<STATE>CA
<ZIP>93710
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1525 E SHAW AVENUE
<CITY>FRESNO
<STATE>CA
<ZIP>93710
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>a04-3006_18k.htm
<DESCRIPTION>8-K
<TEXT>
<html>

<head>



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<body bgcolor="white" link="#807331" vlink="red">

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<div style="border:none;border-top:double windowtext 9.0pt;padding:0in 0in 0in 0in;"><p style="border:none;margin:0in 0in .0001pt;padding:0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p></div>

<h4 align="center" style="font-size:10.0pt;font-weight:bold;margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;">UNITED
STATES<br>
SECURITIES AND EXCHANGE COMMISSION</font><br>
Washington, DC 20549</b></h4>

<h3 align="center" style="font-weight:bold;margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;">&nbsp;</font></b></h3>

<h3 align="center" style="font-weight:bold;margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;">FORM
8-K</font></b></h3>

<h4 align="center" style="font-weight:bold;margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:normal;">&nbsp;</font></b></h4>

<h4 align="center" style="font-weight:bold;margin:0in 0in .0001pt;text-align:center;"><b><font size="3" face="Times New Roman" style="font-size:12.0pt;">CURRENT REPORT<br>
Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934</font></b></h4>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p><p style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Date of Report: <b><font style="font-weight:bold;">February 27, 2004</font></b></font></p><p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<div align="center" style="font-family:'Courier New';">

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="100%" colspan="8" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">UNITED
  SECURITY BANCSHARES</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="8" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;"><p style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Exact name of registrant as specified in its chapter)</font></p></td>
 </tr>
 <tr>
  <td width="31%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:31.08%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="1%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:1.46%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="34%" colspan="3" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:34.6%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="2%" colspan="2" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:2.88%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="29%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:29.98%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
 </tr>
 <tr style="font-family:'Times New Roman';">
  <td width="31%" valign="top" style="padding:0in 0in 0in 0in;width:31.08%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">CALIFORNIA</font></b></p>
  </td>
  <td width="1%" valign="top" style="padding:0in 0in 0in 0in;width:1.46%;">
  <p align="center" style="font-size:1.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
  <td width="34%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:34.6%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">000-32897</font></b></p>
  </td>
  <td width="2%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:2.88%;">
  <p align="center" style="font-size:1.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
  <td width="29%" valign="top" style="padding:0in 0in 0in 0in;width:29.98%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">91-2112732</font></b></p>
  </td>
 </tr>
 <tr style="font-family:'Times New Roman';">
  <td width="31%" valign="top" style="padding:0in 0in 0in 0in;width:31.08%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(State or other jurisdiction<br>
  of incorporation</font></p>
  </td>
  <td width="1%" valign="top" style="padding:0in 0in 0in 0in;width:1.46%;">
  <p align="center" style="font-size:1.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
  <td width="34%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:34.6%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Commission<br>
  File Number)</font></p>
  </td>
  <td width="2%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:2.88%;">
  <p align="center" style="font-size:1.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>
  </td>
  <td width="29%" valign="top" style="padding:0in 0in 0in 0in;width:29.98%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(IRS Employer<br>
  Identification No.)</font></p>
  </td>
 </tr>
 <tr>
  <td width="31%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:31.08%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="1%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:1.46%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="34%" colspan="3" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:34.6%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="2%" colspan="2" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:2.88%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="29%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:29.98%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
 </tr>
 <tr>
  <td width="100%" colspan="8" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">1525 E. Shaw Ave, Fresno, California 93710</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="100%" colspan="8" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;"><p style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(Address of principal executive offices)</font></p></td>
 </tr>
 <tr>
  <td width="33%" colspan="3" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:33.38%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="1%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:1.62%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="33%" colspan="2" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:33.06%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="1%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:1.96%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
  <td width="29%" valign="top" style="font-size:10.0pt;padding:0in 0in 0in 0in;width:29.98%;"><p style="margin:0in 0in .0001pt;text-align:center;">&nbsp;</p></td>
 </tr>
 <tr>
  <td width="100%" colspan="8" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;"><p style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Registrant&#146;s telephone number:&nbsp;&nbsp;&nbsp;<b><font style="font-weight:bold;">(559)&nbsp;248-4943</font></b></font></p></td>
 </tr>
 <tr height="0">
  <td width="224" style="border:none;"></td>
  <td width="11" style="border:none;"></td>
  <td width="6" style="border:none;"></td>
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  <td width="7" style="border:none;"></td>
  <td width="14" style="border:none;"></td>
  <td width="216" style="border:none;"></td>
 </tr>
</table>

</div>

<div style="border:none;border-bottom:double windowtext 9.0pt;padding:0in 0in 0in 0in;"><p style="border:none;margin:0in 0in .0001pt;padding:0in;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p></div>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p><p style="margin:0in 0in .0001pt;"><font size="2" face="Courier New" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></p><font size="2" face="Courier New" style="font-size:10.0pt;">
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<br clear="all" style="page-break-before:always;">
</font><p style="font-family:'Courier New';font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Item 5. Other Events.</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">On February 25, 2004, United
Security Bancshares issued a press release reporting the approval of a common
stock repurchase plan by the Company&#146;s Board of Directors. A copy of such press
release is attached, and incorporated herein by reference as Exhibit 99.1.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="100%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:100.0%;">
  <p style="margin:0in 0in .0001pt;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Item 7. Exhibits.</font></b></p>
  </td>
 </tr>
 <tr>
  <td width="3%" valign="top" style="padding:0in 0in 0in 0in;width:3.46%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.24%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.3%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="3%" valign="top" style="padding:0in 0in 0in 0in;width:3.46%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="96%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:96.54%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">(c)
  Exhibits</font></p>
  </td>
 </tr>
 <tr>
  <td width="3%" valign="top" style="padding:0in 0in 0in 0in;width:3.46%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.24%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.3%;">
  <p style="font-size:10.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="3%" valign="top" style="padding:0in 0in 0in 0in;width:3.46%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="5%" valign="top" style="padding:0in 0in 0in 0in;width:5.24%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">99.1
  </font></p>
  </td>
  <td width="91%" valign="top" style="padding:0in 0in 0in 0in;width:91.3%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Press
  Release dated February 25, 2004</font></p>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">2</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

<font size="2" face="Times New Roman" style="font-size:10.0pt;">
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<br clear="all" style="page-break-before:always;">
</font>

<p align="center" style="font-size:10.0pt;margin:0in 0in .0001pt;text-align:center;">&nbsp;</p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">SIGNATURES</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Pursuant to
the requirements of the Securities Exchange Act of 1934, the registrant has
duly caused this report to be signed on its behalf by the undersigned hereunto
duly authorized.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<table border="0" cellspacing="0" cellpadding="0" width="100%" style="border-collapse:collapse;width:100.0%;">
 <tr>
  <td width="10%" valign="top" style="padding:0in 0in 0in 0in;width:10.9%;">
  <p style="margin:0in 0in .0001pt 40.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Date:</font></p>
  </td>
  <td width="17%" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:17.3%;">
  <p style="margin:0in 0in .0001pt 20.0pt;text-indent:-10.0pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">February 27,
  2004</font></p>
  </td>
  <td width="34%" valign="top" style="padding:0in 0in 0in 0in;width:34.56%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt 40.0pt;text-indent:-10.0pt;">&nbsp;</p>
  </td>
  <td width="20%" valign="top" style="border:none;border-bottom:solid windowtext .5pt;padding:0in 0in 0in 0in;width:20.94%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;&nbsp;/S/&nbsp;&nbsp;Kenneth L. Donahue</font></p>
  </td>
  <td width="16%" valign="top" style="padding:0in 0in 0in 0in;width:16.3%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td width="62%" colspan="3" valign="top" style="padding:0in 0in 0in 0in;width:62.76%;">
  <p style="font-size:1.0pt;margin:0in 0in .0001pt;">&nbsp;</p>
  </td>
  <td width="37%" colspan="2" valign="top" style="padding:0in 0in 0in 0in;width:37.24%;">
  <p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Senior Vice President and<br>
  Chief Financial Officer</font></p>
  </td>
 </tr>
</table>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">3</font></p>


<div style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">

<hr size="2" width="100%" noshade color="gray" align="left">

</font></div>

</div>


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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>a04-3006_1ex99d1.htm
<DESCRIPTION>EX-99.1
<TEXT>
<html>

<head>



</head>

<body link="blue" vlink="purple">

<div>

<p align="right" style="margin:0in 0in .0001pt .5in;text-align:right;text-indent:-.5in;"><b><font size="2" face="Times New Roman" style="font-size:10.0pt;font-weight:bold;">Exhibit
99.1</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><b><font size="5" face="Times New Roman" style="font-size:18.0pt;font-weight:bold;">United Security Bancshares
Announces Stock Repurchase Plan</font></b></p>

<p style="margin:0in 0in .0001pt;"><font size="5" face="Times New Roman" style="font-size:18.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">FRESNO, Calif., Feb. 25
/PRNewswire-FirstCall/ &#150; Dennis R. Woods, President and Chief Executive Officer
of United Security Bancshares (Nasdaq: UBFO), http://www.unitedsecuritybank.com/
, announced today that the Board of Directors approved a plan to repurchase, as
conditions warrant, up to 276,500 shares of the Company&#146;s common stock on the
open market or in privately negotiated transactions. The repurchase plan
represents approximately 5.00% of the Company&#146;s currently outstanding common
stock. The duration of the program is open-ended and the timing of purchases
will depend on market conditions. The Board approved a similar repurchase plan
in 2001 consisting of 280,000 shares. Concurrent with the approval of the new
repurchase plan, the Board canceled the remaining 64,577 shares under the
earlier repurchase plan.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Woods stated, &#147;This stock
repurchase program is being implemented to provide management with an
additional tool to optimize the Company&#146;s use of equity capital and enhance
shareholder value. United Security Bancshares&#146; strong capital position and
considerable allowance for loan loss reserve supports this new program.&#148;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">United Security Bancshares
is the holding company for United Security Bank which operates seven branches
and four loan centers in Fresno and Madera counties. The Bank will open its
eighth branch in March 2004 in downtown Fresno and expects to open its ninth
and tenth offices in April after completing a merger with Taft National Bank.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Forward-Looking Statements</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">This news release contains
forward-looking statements about the company for which the company claims the
protection of the safe harbor provisions contained in the Private Securities
Litigation Reform Act of 1995.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">Forward-looking statements
are based on management&#146;s knowledge and belief as of today and include
information concerning the company&#146;s possible or assumed future financial
condition, and its results of operations, business and earnings outlook. These
forward-looking statements are subject to risks and uncertainties. A number of
factors, some of which are beyond the company&#146;s ability to control or predict,
could cause future results to differ materially from those contemplated by such
forward-looking statements. These factors include (1) changes in interest
rates, (2) significant changes in banking laws or regulations, (3) increased
competition in the company&#146;s market, (4) other-than-expected credit losses, (5)
earthquake or other natural disasters impacting the condition of real estate
collateral, (6) the effect of acquisitions and integration of acquired
businesses, (7) the impact of proposed and/or recently adopted changes in
regulatory, judicial, or legislative tax treatment of business transactions,
particularly recently enacted California tax legislation and the subsequent
Dec. 31, 2003, announcement by the Franchise Tax Board regarding the taxation
of REITs and RICs; and (8) unknown economic impacts caused by the State of
California&#146;s budget issues. Management cannot predict at this time the severity
or duration of the effects of the recent business slowdown on our specific
business activities and profitability. Weaker or a further decline in capital
and consumer spending, and related recessionary trends could adversely affect
our performance in a number of ways including decreased demand for our products
and services and increased credit losses. Likewise, changes in deposit interest
rates, among other things, could slow the rate of growth or put pressure on
current deposit levels. Forward-looking statements speak only as of the date
they are made, and the company does not undertake to update forward-looking
statements to reflect circumstances or events that occur after the date the
statements are made, or to update earnings guidance including the factors that
influence earnings.</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">SOURCE United Security
Bancshares</font></p>

<p style="margin:0in 0in .0001pt;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>

<p align="center" style="margin:0in 0in .0001pt;text-align:center;"><font size="2" face="Times New Roman" style="font-size:10.0pt;">&nbsp;</font></p>


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